Programs & Solutions • Credit Cards: TIB offers both Agent and Principal Cardholder Programs designed to serve virtually any- sized bank. TIB’s credit card programs record more than $1 billion in purchases annually. • Merchant Processing: With almost $2 billion in annual sales, TIB’s Merchant Processing solutions include both Agent and Principal options and include the latest in mobile payment technology and fraud detection. • ATM/Debit Card Programs: TIB’s single source ATM and Debit Card Processing solution is designed to help your bank compete more effectively, reduce expenses and generate additional income. Our solution drives more than 100,000 ATMs across the country and has fully-redundant systems for continuous uptime. • Gift Cards: TIB offers community banks both instant issue and personalized gift card options. Through our Agent program, TIB assumes the liability and the bank has final control of pricing to their customers. • Payroll Cards: TIB’s Payroll Card solution provides your commercial customers with a flexible and secure alternative to issuing payroll checks. Employees utilize their individual Payroll Card to withdraw cash at an ATM or to purchase goods and services. • Rewards Programs: TIB offers among the most generous and flexible rewards programs in the industry to make your card offering even more attractive, while helping you retain your valuable customers. Overall Benefits To Partner Banks • One of the industry’s most generous revenue sharing programs • State-of-the-art fraud detection systems • TIB will never compete for your customers • Notice provided to the bank prior to any declines • Complete marketing support • 24/7 cardholder and merchant support • Ongoing training for bank staff TIB Card Services Trusted Coast-to-Coast TIB is home to the nation’s largest Agent Credit Card program, in terms of banks supported. Currently, more than 1 in 5 community banks across the U.S. rely upon TIB Card Services, with partner banks in 48 states. TIB offers a full array of Card Processing solutions for community banks of all sizes. These solutions are offered in both agent and principal programs, allowing the bank to choose the program that works best for them. A National Leader TIB Card Services consistently ranks among the nation’s largest providers. • Small Business Cards: #16 • Prepaid Card Issuers: #35 • Visa/MasterCard Issuers: #57 • Merchant Acquirers: #58 www.tib.bank